Smart Financial Planning & Educational Guides
Pocketsense is a dedicated financial education portal providing in-depth articles on Indian tax compliance, investment strategies, and debt management. Our privacy-first interactive tools run entirely inside your browser—allowing you to analyze loan EMIs, simulate SIP compounding, compare tax regimes, and calculate capital gains liabilities without storing or sharing your private data.
Featured Articles & Guides
Practical financial wisdom written by the Pocketsense Editorial Team
Budgeting for Couples: How to Merge Finances Without Losing Your Mind
Getting married or living together? Compare the 3 main joint financial models — 100% Joint, Yours/Mine/Ours, and Split proportional model.
Subscription Audit: How to Find and Kill Vampire Subscriptions
Netflix, Prime, Spotify, Gym, Cloud storage, OTT bundles — learn how recurring monthly subscriptions quietly drain your bank account and how to audit them.
Cash Stuffing: Why the Envelope Method Is Making a Massive Comeback
Tired of digital UPI overspending? Discover why the classic Cash Stuffing envelope method is going viral online and how to adapt it for modern digital banking.
Zero-Based Budgeting: How to Give Every Single Dollar a Job
Stop wondering where your money went at the end of the month. Learn how Zero-Based Budgeting (ZBB) assigns every rupee a job before the month starts.
The 50/30/20 Rule: Is It Still Realistic in 2026?
With high metro rents and inflation, is the classic 50/30/20 budget framework outdated? Learn how to adapt it for high-cost Indian cities.
Impulse Control: 5 Psychological Tricks to Stop Add to Cart Regret
Stop online shopping buyers remorse. Discover 5 practical psychological hacks to curb impulse buying on Amazon, Flipkart, and Instagram ads.
Wealth & Investment Utilities
SIP & Goal Planner
Calculate nominal and inflation-adjusted mutual fund compounding with real-purchasing power projections.
Open SIP Calculator →XIRR Calculator
Annualized returns solver using Newton-Raphson method for irregular mutual fund SIP cash flows.
Open XIRR Calculator →SIP vs Lumpsum Comparison
Compare time-weighted compounding differences between monthly deposits and one-time capital placement.
Compare Strategies →Tax & Income Compliance Utilities
New vs Old Tax Regime
Budget 2024 slabs, ₹75k standard deduction & breakeven deduction solver.
Compare Regimes →Capital Gains Tax
12.5% LTCG, 20% STCG, ₹1.25L exemption & property indexation options.
Calculate Tax →HRA Exemption
Rule 2A 3-condition minimum formula for Metro vs Non-Metro salary claims.
Calculate HRA →Advance Tax & TDS
Quarterly due dates, Section 208 rules & 44ADA 50% presumptive options.
Calculate Installments →Loan & Debt Management Utilities
EMI & Prepayment Simulator
Amortization schedules and prepayment impact analysis (Reduce EMI vs Reduce Tenure).
Simulate Loan EMI →Remaining Loan Tenure
Calculate exact remaining months following interest rate hikes or lump prepayments.
Calculate Remaining Tenure →Compare Two Loans
Side-by-side comparison of two loan offers to find the cheapest net lifetime outflow.
Compare Offers →Client-Side Privacy Guarantee
Pocketsense executes all financial calculations directly inside your web browser using JavaScript. We do not transmit or store your salary, loan amounts, or personal financial inputs on any server.